Cheapest 2009 Kia Rio Insurance Rates in 2023
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UPDATED: May 12, 2022
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Searching for better insurance rates for your Kia Rio? Locating better insurance prices for a Kia Rio can turn out to be an all-consuming task, but you can use our insurance buying tips and make it easy. There is a better way to find insurance online so you’re going to learn the best way to get price quotes for your Kia and get the best price possible from local insurance agents and online providers.
It’s smart to get comparison quotes once or twice a year because prices are rarely the same from one policy term to another. Even if you got the lowest rates for Rio insurance a year ago you may be paying too much now. There is a lot of bad advice regarding insurance on the web, but I’m going to show you some solid techniques on how to find affordable insurance.
Kia Rio insurance rates consist of many parts
Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.
- Extra coverages can waste money – There are a lot of add-on coverages that you can get tricked into buying on your auto insurance policy. Insurance for roadside assistance, accidental death and additional equipment coverage are examples of these. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
- Men are more aggressive – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both cause accidents in similar percentages, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.
- Careful drivers pay lower rates – A bad driving record has a big impact on rates. Good drivers tend to pay less for car insurance compared to drivers with tickets. Only having one speeding ticket can increase rates forty percent or more. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
- Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
Compare the Market for Car Insurance
Effectively comparing car insurance prices can be a daunting task if you don’t understand the fastest way to get free quotes. You can spend your afternoon talking about coverages with insurance agencies in your area, or you can utilize the web to quickly compare rates.
Many of the larger companies belong to a marketplace where prospective buyers submit one quote, and at least one company can give them a price. This system prevents you from having to do form submissions for each company. To participate in this free quote system, click here (opens in new window).
The one downside to getting quotes like this is buyers cannot specifically choose the companies you will receive quotes from. So if you prefer to choose from a list of companies for rate comparison, we have a listing of companies who write car insurance in your area. Click here to view list.
Whichever way you use, make sure you use identical coverages and limits for every quote you compare. If you compare different values for each quote it will be very difficult to truly determine the lowest rate.
Ads can be misleading
Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm and Allstate. They all seem to make the same claim of big savings if you change your policy.
How can each company make almost identical claims?
All companies are able to cherry pick for the driver they prefer to insure. For example, a driver they prefer might be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. A driver who meets those qualifications receives the best rates and as a result will probably cut their rates substantially.
Potential insureds who fall outside these standards will have to pay higher rates and this can result in the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much money. That’s why companies can make those claims. Because of the profiling, drivers should quote coverage with many companies. You cannot predict which insurance coverage company will provide you with the cheapest Kia Rio insurance rates.
These discounts can lower your rates
Auto insurance companies don’t always publicize every discount very well, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using. If you don’t get every credit you deserve, you are paying more than you should be.
- Military Discounts – Being on active duty in the military may qualify for rate reductions.
- Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.
- Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
- Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
- 55 and Retired – Older drivers may qualify for a small decrease in premiums for Rio insurance.
- Passive Restraint Discount – Factory air bags or motorized seat belts can get savings of up to 25% or more.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.
For a list of companies with discount insurance coverage rates, click here to view.
Different people need different coverages
When buying the best auto insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.
These are some specific questions might help in determining whether you may require specific advice.
- What vehicles should carry emergency assistance coverage?
- Should I buy more coverage than the required minimum liability coverage?
- Is business property covered if stolen from my car?
- Do I have coverage when pulling a U-Haul trailer?
- Why do I need rental car insurance?
- When does my teenage driver need to be added to my policy?
- Exactly who is provided coverage by my policy?
- Does insurance cover tools stolen from my truck?
- Do I have newly-aquired coverage?
- How much underlying liability do I need for an umbrella policy?
If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Coverages available on your car insurance policy
Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Collision coverages – This coverage will pay to fix damage to your Rio caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like sideswiping another vehicle, hitting a parking meter, hitting a mailbox, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.
Auto liability – This provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against things such as attorney fees, medical expenses, pain and suffering and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.
Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as rock chips in glass, theft and hitting a bird. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Insurance for medical payments – Med pay and PIP coverage pay for bills such as chiropractic care, dental work, funeral costs, nursing services and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Have money to burn
While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an insured dropped liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate.
In this article, we presented some good ideas how to lower your 2009 Kia Rio insurance rates. The key concept to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the best prices are with an unexpected company.
People who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, poor customer service and even not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.
Other learning opportunities
- Liability Insurance Coverage (Nationwide)
- Booster Seat Ratings (iihs.org)
- Think You’re a Safe Driver? (State Farm)
- Understanding Car Crashes Video (iihs.org)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
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